Federal Reserve Release

H.2

Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received

No. 35 Week Ending September 1, 2001

Board of Governors of the Federal Reserve System, Washington, DC 20551

H.2 Actions under delegated authority
BS&R C&CA FOMC Banking Supervision and Regulation Consumer and Community Affairs Federal Open Market Committee RBOPS IF OSDM

August 26, 2001 to September 1, 2001
Reserve Bank Operations and Payment
International Fiance
Office of Staff Director for Management

Bank Branches, Domestic

Philadelphia Ameriserve Financial Bank, Johnstown, Pennsylvania -- to establish a branch at 5 Gateway Center, Pittsburgh. - Approved, August 29, 2001 New York Bank of Smithtown, East Setauket, New York -- to establish a branch on Belle Mead Road, Suffolk County. - Approved, August 23, 2001 (AC) New York The Chase Manhattan Bank, New York, New York -- to establish a branch at 1320 Stony Brook Road, Stony Brook. - Approved, August 24, 2001 (AC) Cleveland The Citizens Banking Company, Sandusky, Ohio -- to establish a branch at 205 SE Catawba Road, Port Clinton. - Approved, August 30, 2001 Chicago Elkhart Community Bank, Elkhart, Indiana -- to establish a mobile branch to operate within a five-mile radius of the bank. - Approved, August 30, 2001 Chicago Goshen Community Bank, Goshen, Indiana -- to establish a mobile branch to operate within a five-mile radius of the bank. - Approved, August 30, 2001 Chicago Johnson Bank, Racine, Wisconsin -- to establish a branch at 441 Lake Avenue. - Approved, August 29, 2001

(AC) = Addition or Correction

Delegated - Page 1 of 8

H.2 Actions under delegated authority

August 26, 2001 to September 1, 2001

Bank Branches, Domestic

Richmond Southern Financial Bank, Warrenton, Virginia -- to establish a branch at 300 East Market Street, Charlottesville. - Approved, August 30, 2001

Bank Holding Companies

Atlanta Commercial Bancgroup, Inc., Harrogate, Tennessee -- to acquire Cumberland Mountain Bancshares, Inc., Middlesboro, Kentucky, and Middlesboro Federal Bank, FSB; and for Commercial Bank, Harrogate, Tennessee, to merge with Middlesboro Federal Bank, FSB. - Approved, August 27, 2001 Minneapolis Dacotah Banks, Inc., Aberdeen, South Dakota -- to acquire F&M Bank Holding Company of Valley City, Valley City, North Dakota. - Approved, August 29, 2001 St. Louis First Banks, Inc., St. Louis, Missouri -- to engage de novo in lending activities. - Approved, August 29, 2001 Kansas City First Western Bank Shares, Inc., Huron, South Dakota -- to become a bank holding company through the acquisition of Marquette Bank Nebraska, N.A., O'Neill, Nebraska. - Approved, August 30, 2001 Atlanta Grand Bankshares, Inc., West Palm Beach, Florida -- to become a bank holding company through the acquisition of Grand Bank of Florida. - Returned, August 30, 2001

(AC) = Addition or Correction

Delegated - Page 2 of 8

H.2 Actions under delegated authority

August 26, 2001 to September 1, 2001

Bank Holding Companies

Chicago Grant County State Bancshares, Inc. Employees Stock Ownership Plan, Swayzee, Indiana -- to acquire additional shares of Grant County State Bancshares, Inc. and thereby acquire Grant County State Bank. - Approved, August 31, 2001 Secretary The Royal Bank of Scotland Group plc, The Royal Bank of Scotland plc, and RBSG International Holdings Ltd., all in Edinburgh, Scotland, and Citizens Financial Group, Inc., Providence, Rhode Island -- commenters' requests to extend the comment period on the application to acquire Citizens Bank of Pennsylvania, Philadelphia, Pennsylvania, and Citizens Bank, Wilmington, Delaware, both de novo banks. - Denied, August 31, 2001 Kansas City Sunflower Banks, Inc., Salina, Kansas; Sunflower Bank, National Association; and Sunflower Acquisition Corporation -- waiver of applications in connection with the acquisition of First Canon Bancorp, Inc., Canon City, Colorado, and its subsidiary, The First National Bank of Canon City, and merger of The First National Bank of Canon City with Sunflower Bank. - Granted, August 31, 2001 Atlanta Synovus Financial Corporation, Columbus, Georgia -- to merge with FABP Bancshares, Inc., Pensacola, Florida, and thereby acquire First American Bank of Pensacola. - Approved, August 31, 2001 Kansas City Team Financial, Inc., Paola, Kansas, and Team Financial, Inc. Employees' Stock Ownership Plan -- to acquire Post Bancorp, Inc., Colorado Springs, Colorado, and Colorado Springs National Bank. - Approved, August 28, 2001 Atlanta United Bancshares, Inc., New Orleans, Louisiana -- to become a bank holding company through the acquisition of United Bank and Trust. - Returned, August 29, 2001
(AC) = Addition or Correction Delegated - Page 3 of 8

H.2 Actions under delegated authority

August 26, 2001 to September 1, 2001

Bank Mergers

Atlanta Colonial Bank, Montgomery, Alabama -- to acquire certain assets and assume certain liabilities of 13 Alabama and Florida branches of Union Planters Bank, N.A., Memphis, Tennessee. - Approved, August 29, 2001 Chicago First Farmers Bank and Trust Company, Converse, Indiana -- to acquire the Greentown, Logansport, Peru, Roann, and Wabash offices of Lake City Bank, Warsaw, and thereby establish branches. - Approved, August 29, 2001

Change In Bank Control

Kansas City Ameribanc Holdings, Durango, Colorado -- change in bank control. - Permitted, August 28, 2001 Kansas City First National Bancshares, Inc., Edmond, Oklahoma -- change in bank control. - Permitted, August 30, 2001 Chicago Lamoine Bancorp, Inc., La Harpe, Illinois -- change in bank control. - Permitted, August 28, 2001 Secretary Laredo National Bancshares, Laredo, Texas -- commenter's request to extend the comment period for a change in bank control. - Denied, August 31, 2001

Competitive Factors Reports

Chicago Anchor BanCorp Wisconsin Inc., Madison, Wisconsin -- report on competitive factors of the proposed acquisition of Ledger Capital Corp., Glendale. - Submitted, August 31, 2001

(AC) = Addition or Correction

Delegated - Page 4 of 8

H.2 Actions under delegated authority

August 26, 2001 to September 1, 2001

Competitive Factors Reports

Dallas Bank of the Hills, N.A., Kerrville, Texas -- report on competitive factors of the proposed merger with New Bank of the Hills, N.A. - Submitted, August 30, 2001 St. Louis Bloomfield State Bank, Bloomfield, Indiana -- report on competitive factors of the proposed merger with The First Bank of Mitchell, Mitchell. - Submitted, August 29, 2001 Boston Borel Bank and Trust Company, San Mateo, California -- report on competitive factors of the proposed merger with Borel Acquisition Corp. - Submitted, August 27, 2001 Secretary Citibank (South Dakota), N.A., Sioux Falls, South Dakota -- report on competitive factors of the proposed merger with Hurley State Bank; Universal Bank, National Association, Columbus, Georgia; and Citibank USA, Wilmington, Delaware, in connection with the corporate reorganization of the domestic credit card business of Citigroup Inc., New York, New York. - Submitted, August 29, 2001 Secretary Colorado Business Bank, National Association, Denver, Colorado -- report on competitive factors of the proposed merger with First Capital Bank of Arizona, Phoenix, Arizona. - Submitted, August 28, 2001 St. Louis First Bank & Trust, San Francisco, California -- report on competitive factors of the proposed merger with BYL Bank Group, Orange. - Submitted, August 28, 2001 Chicago First Federal Capital Corp., La Crosse, Wisconsin -- report on competitive factors of the proposed merger with American Community Bancshares, Inc., Wausau. - Submitted, August 31, 2001
(AC) = Addition or Correction Delegated - Page 5 of 8

H.2 Actions under delegated authority

August 26, 2001 to September 1, 2001

Competitive Factors Reports
Boston First Massachusetts Bank, National Association, Worcester, Massachusetts -- report on competitive factors of the proposed merger with MetroWest Bank, Framingham. - Submitted, August 27, 2001 Chicago Independent Bank South Michigan, Leslie, Michigan -- report on competitive factors of the proposed acquisition of four branches of Independent Bank MSB, Bay City. - Submitted, August 31, 2001 Chicago Metrobank, National Association, Davenport, Iowa -- report on competitive factors of the proposed merger with Community Bank, Preston; Community Insurance, Inc., Miles; and Farmers State Bank Chadwick and Mount Carroll, Mount Carroll, Illinois. - Submitted, August 31, 2001 Dallas The National Bank of Daingerfield, Daingerfield, Texas -- report on competitive factors of the proposed acquisition of the Daingerfield branch of Jefferson Heritage Bank, FSB, Denton. - Submitted, August 31, 2001 Philadelphia Omega Bank, N.A., State College, Pennsylvania -- report on competitive factors of the proposed merger with Hollidaysburg Trust Company, Hollidaysburg, and Penn Central National Bank. - Submitted, August 27, 2001 Chicago State Bank of Latham, Latham, Illinois -- report on competitive factors of the proposed merger with Valley State Bank, Eldridge, Iowa, and the proposed purchase of assets and assumption of liabilities of State Bank of Latham by Middletown State Bank, Middletown, Illinois. - Submitted, August 30, 2001

(AC) = Addition or Correction

Delegated - Page 6 of 8

H.2 Actions under delegated authority

August 26, 2001 to September 1, 2001

Competitive Factors Reports

Secretary Travelers Bank & Trust, FSB, Newark, Delaware -- report on competitive factors of the proposed merger with Citi Fiduciary Trust Company of Florida, Palm Beach, Florida; Citi Fiduciary Trust Bank of Michigan, Farmington Hills, Michigan; Citi Fiduciary Trust Company of New Jersey, Red Bank, New Jersey; Citi Fiduciary Trust Company, New York, New York; and Citi Fiduciary Trust Company of Texas, Dallas, Texas. - Submitted, August 29, 2001

Extensions Of Time

Kansas City First Liberty Capital Corporation Employee Stock Ownership Plan, Hugo, Colorado -- extension to March 1, 2002, to acquire additional shares of First Liberty Capital Corporation. - Granted, August 30, 2001 New York J.P. Morgan Chase & Co. Inc., New York, New York -- extension to December 11, 2001, to merge Morgan Guaranty Trust Company of New York and The Chase Manhattan Bank. - Granted, August 22, 2001 (AC)

Financial Holding Companies

Atlanta American Banking Corporation of Lake Wales, Lake Wales, Florida -- election to become a financial holding company. - Effective, August 27, 2001 Director, BS&R HBOS plc, Edinburgh, Scotland -- election to become a financial holding company on its acquisition of The Governor and Company of the Bank of Scotland. - Effective, August 31, 2001

(AC) = Addition or Correction

Delegated - Page 7 of 8

H.2 Actions under delegated authority

August 26, 2001 to September 1, 2001

Membership

Kansas City Saline State Bank, Wilber, Nebraska -- membership in the Federal Reserve System. - Approved, August 28, 2001

(AC) = Addition or Correction

Delegated - Page 8 of 8

District 1
Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type None Application Ending date of comment period

Section II – Applications subject to both newspaper and Federal Register notice Type Change in Bank Control Application Central Bancorp, Inc., Somerville, Massachusetts - notice by John Doherty to individually acquire greater than 10% of Central Bancorp, Inc. Ending date of comment period Newspaper - 09/26/2001 Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type None Application

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 2
Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type Representative Office Representative Office Branch Application Banca Comerciala Romana S.A., Bucharest, Romania, to establish a representative office in New York, New York.* Royal Bank of Canada, Montreal, Canada, to establish a representative office in Wilmington, Delaware.* NCF Bank Plc (formerly known as Nordea Companies Finland (NCF) Plc formerly known as MeritaNordbanken Plc), to establish a state-licensed branch at 437 Madison Avenue, New York, New York.* Ending date of comment period Newspaper – N/Avail Newspaper – N/Avail Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice Type None * Subject to the provisions of the Community Reinvestment Act Application Ending date of comment period

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type None Application

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Institution None

Quarter of 2001 Location

District 3
Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type None Application Ending date of comment period

Section II – Applications subject to both newspaper and Federal Register notice Type None Application Ending date of comment period

Section III – Applications subject to Federal Register notice only Type 4(c)(8) Application Ending date of comment period

CNB Financial Corporation, Clearfield, PA, to retain ownership 09/18/2001 of County Reinsurance Company, Phoenix, AZ.

Section IV – Applications not subject to Federal Register or newspaper notice Type None Application

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 4
Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type Branch Application Received notice from The Citizens Banking Company, Sandusky, OH on 08/27/2001 of its intent to establish a branch at 205 S.E. Catawba Rd., Port Clinton, OH.* Received notice from Community First Bank & Trust, Celina, OH to start a branch operation at The Gardens of Celina, 1301 Myers Rd., Celina, OH.* Ending date of comment period 08/18/2001

Branch

08/31/2001

Section II – Applications subject to both newspaper and Federal Register notice Type None Application Ending date of comment period

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type None Application

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number 513920 Examination date 06/25/2001 CRA public date 08/28/2001 CRA rating S Exam type LrgBk SmBk X

Institution/Location The Marblehead Bank 709 West Main Street Marblehead, OH 43440

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 5
Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type Branch Application Centura Bank, Rocky Mount, North Carolina, to establish a branch at 2000 Wade Hampton Boulevard, Greenville, South Carolina.* First Virginia Bank-Hampton Roads, Norfolk, Virginia, to merge with James River Bank, Waverly, Virginia, and James River Bank/Colonial, Suffolk, Virginia.* Ending date of comment period Newspaper - 09/06/2001

18(c)

Newspaper - 10/03/2001

*Subject to the provisions of the Community Reinvestment Act.

Section II – Applications subject to both newspaper and Federal Register notice Type 3(a)(3) Application FNB Corporation, Christiansburg, Virginia, to acquire 100% of the voting shares of FNB Southwest, National Association, Roanoke, Virginia (a converting federal savings bank presently known as Southwest Virginia Savings Bank).* Piedmont BankCorp, Statesville, North Carolina, to become a bank holding company through the acquisition of 100% of the voting shares of Piedmont Bank, Statesville, North Carolina.* Ending date of comment period Fed Reg - 09/18/2001 Newspaper - 09/07/2001

3(a)(1)

Fed Reg - N/Avail Newspaper - 09/28/2001

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type 25A Member Application Bank of America, N.A., Charlotte, North Carolina, to increase the investment in its Edge Corporation subsidiaries. Piedmont Bank, Statesville, North Carolina, for membership in the Federal Reserve System.

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 6
Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type Branch Branch Branch Branch Application Colonial Bank, Montgomery, Alabama, to establish a branch located at 401 Adamson Square, Carrollton, Georgia. Colonial Bank, Montgomery, Alabama, to establish a branch located at 4640 S. Fort Apache, Las Vegas, Nevada. SouthTrust Bank, Birmingham, Alabama, to establish a branch located at 1711 North Citrus Boulevard, Leesburg, Florida. SouthTrust Bank, Birmingham, Alabama, to establish a branch located at 2900 Allison Bonnett Memorial Drive, Hueytown, Alabama. Ending date of comment period 08/30/2001* 08/30/2001* 08/24/2001* 09/01/2001*

*Subject to provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice Type 3(a)(1) Application Ending date of comment period

Georgia Banking Company, Inc., Atlanta, Georgia, to become a Fed Reg – 10/05/2001* bank holding company by acquiring Georgia Banking Company, Atlanta, Georgia (in organization).

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only Type 4(c)(8) Application Ending date of comment period

Georgia Banking Company, Inc., Atlanta, Georgia, to engage in 10/05/2001 mortgage lending through its nonbank subsidiary, GBC Fundings, Inc., Atlanta, Georgia.

Section IV – Applications not subject to Federal Register or newspaper notice Type None Application

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 7
Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type Branch 18(c) & Branches Application Citizens Bank, Flint, Michigan, for prior approval to establish a branch at 2285 Cedar Street, Holt, Michigan.* Ending date of comment period Newspaper – 8/31/2001

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior Newspaper – N/Avail approval to merge with National City Bank of Minneapolis, Minneapolis, Minnesota and thereby to establish branches at 651 Nicollet Mall, Minneapolis, Minnesota and 3905 West 69th Street, Edina, Minnesota.*

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice Type CC 3(a)(1) Application Notification by Helen M. Paul, to acquire an additional 50 shares of APM Bancorp, Inc., Buffalo, Iowa. Bank Iowa Holding Company, Clarinda, Iowa, for prior approval to become a bank holding company through the acquisition of 100 percent of the voting shares of Farmers State Bank, Schleswig, Iowa.* Eagle Bancshares, Inc., Cashton, Wisconsin, for prior approval to become a bank holding company through the acquisition of 100 percent of the outstanding shares of Cashton Bancshares, Inc., Cashton, Wisconsin and thereby indirectly Bank of Cashton, Cashton, Wisconsin.* Great River Financial Group, Inc., Burlington, Iowa, for prior approval to acquire 100 percent of the voting shares of Southeast Security Bank, Mediapolis, Iowa.* Ending date of comment period Fed Reg – 9/19/2001 Newspaper – N/Avail Fed Reg – 8/27/2001 Newspaper – 9/01/2001

3(a)(1)

Fed Reg – 9/20/2001 Newspaper – N/Avail

3(a)(3)

Fed Reg – 9/28/2001 Newspaper – N/Avail

3(a)(3)

Kerndt Bank Services, Inc., Lansing, Iowa, for prior approval to Fed Reg – 8/27/2001 acquire 100 percent of the voting shares of Westmont Newspaper – 8/30/2001 Corporation, West Union, Iowa, and thereby indirectly acquire Farmers Savings Bank, West Union, Iowa.*

Section II – Applications subject to both newspaper and Federal Register notice Type 3(a)(3) Application Ending date of comment period

Mid-Iowa Bancshares Co., Algona, Iowa, for prior approval to Fed Reg – 9/11/2001 acquire in excess of 5% but not to exceed 10% of Horizon Bank Newspaper – N/Avail (in organization), Encino, California.* Oswego Community Bank Employee Stock Ownership Plan, Fed Reg – 9/4/2001 Oswego, Illinois, for prior approval to acquire an additional Newspaper – 9/03/2001 19.69 percent, for a total of 47 percent, of the voting shares of Oswego Bancshares, Inc., Oswego, Illinois and thereby indirectly acquire Oswego Community Bank, Oswego, Illinois.* Panhandle Aviation, Inc., Clarinda, Iowa, for prior approval to acquire 100 percent of the voting shares of Bank Iowa Holding Company, Clarinda, Iowa, and thereby indirectly acquire Farmers State Bank, Schleswig, Iowa.* Fed Reg – 8/27/2001 Newspaper – 9/01/2001

3(a)(3)

3(a)(3)

3(a)(3)

River Valley Bancorp, Inc., Eldridge, Iowa, for prior approval to Fed Reg – 8/27/2001 acquire 80.95 percent of the voting shares of Southeast Security Newspaper – 8/25/2001 Bank, Mediapolis, Iowa.* River Valley Bancorp, Inc., Eldridge, Iowa, for prior approval to Fed Reg – 9/28/2001 acquire 100 percent of State Bank of Latham, Latham, Illinois.* Newspaper – N/Avail Notification by John G. Rosholt, of a Change in Control to retain Fed Reg – 8/27/2001 control, and by Gary C. Rosholt to acquire control, of Rosholt Newspaper – N/Avail Bancorporation, Inc., Rosholt, Wisconsin. WB Bancshares, Inc., Bloomington, Wisconsin, for prior approval to become a bank holding company through the acquisition of 100 percent of the voting shares of Woodhouse and Bartley Bank, Bloomington, Wisconsin.* Fed Reg – 9/10/2001 Newspaper – 8/31/2001

3(a)(3) CC

3(a)(1)

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type Membership Application Bank of Palmyra, Palmyra, Illinois, for prior approval to become a member of the Federal Reserve System.

Section IV – Applications not subject to Federal Register or newspaper notice Type Membership Regulation K Application Logan County Bank, Lincoln, Illinois, for prior approval to become a member of the Federal Reserve System. Michigan National Bank, Farmington Hills, Michigan, for prior approval to establish Standard Federal International, LLC, Wilmington, Delaware, as an Agreement corporation, and indirectly acquire four subsidiaries. Oswego Bancshares, Inc., Oswego, Illinois, for prior approval to guarantee the borrowings by Oswego Community Bank Employees Stock Ownership Plan. Town and Country Bank, Buffalo, Illinois, for prior approval to become a member of the Federal Reserve System. Town and Country Bank of Springfield, Springfield, Illinois, for prior approval to become a member of the Federal Reserve System.

4(c)(8)

Membership Membership

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number 2728474 Examination date 4/09/2001 CRA public date 8/31/2001 CRA rating S Exam type LrgBk SmBk X

Institution/Location New Century Bank 23155 Northwestern Hwy. Southfield, Michigan 48075 (248) 827-2800

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 8
Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type None Application Ending date of comment period

Section II – Applications subject to both newspaper and Federal Register notice Type CIC Application Ending date of comment period

Notice involving Planters Holding Company, Indianola, Newspaper – 9/20/2001 Mississippi, by William T. Robinson, Jr., Indianola, Mississippi, Fed Reg. – N/Avail to retain 12.59 percent. Notice involving Fredonia Valley Bancorp, Inc., Fredonia, Kentucky, by Frances Young Trigg, Lexington, Kentucky, to retain 13.88 percent. Newspaper – 9/21/2001 Fed Reg. – 9/10/2001

CIC

Fed Reg - Federal Register Comment Period Ending Date

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type None Application

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number 493143 Examination date 5/14/2001 CRA public date 8/30/2001 CRA rating O Exam type LrgBk SmBk X

Institution/Location State Bank of Lima, Lima, Illinois

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 9
Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type 18(c) & Branch Application Ending date of comment period

BANKFIRST, Sioux Falls, South Dakota, to purchase certain N/Avail. assets and assume certain liabilities of the Miami, Arizona branch of Community First National Bank, Fargo, North Dakota, and immediately thereafter relocate the branch to Chandler, Arizona.*

5(d)(3) & Branch Western Security Bank, Billings, Montana, to purchase certain 09/10/2001 assets and assume certain liabilities of the Billings, Montana branches of Glacier Bank, Kalispell, Montana and incident thereto establish branches at 670 Main Street, Billings, Montana and 2209 Central Avenue, Billings, Montana.* 5(d)(3) & Branch Valley Bank of Helena, Helena, Montana, to purchase certain 09/10/2001 assets and assume certain liabilities of the Helena, Montana branch of Glacier Bank, Kalispell, Montana and incident thereto establish a branch at 611 North Montana, Helena, Montana.* Branch 18(c) & Branch Rocky Mountain Bank, Billings, Montana, to establish a branch at 2901 W. Main, Bozeman, Montana.* First Interstate Bank, Billings, Montana, to merge with First Interstate Bank, Sheridan, Wyoming, and incident thereto establish 21 branches. 09/01/2001 N/Avail.

*Subject to the provisions of the Community Reinvestment Act.

Section II – Applications subject to both newspaper and Federal Register notice Type 3(a)(3) Application Frandsen Financial Corporation, Forest Lake, Minnesota, for prior approval to acquire 100% of the voting shares of F & M Bank-Minnesota, Dundas, Minnesota.* Ending date of comment period Fed. Reg. – 09/28/2001 Newspaper – 10/01/2001

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type 3(a)(1) Application American Bancorporation of Minnesota, Inc., Brainerd, Minnesota, for prior approval to become a bank holding company through the acquisition of 100% of the voting shares of American National Bank of Minnesota, Brainerd, Minnesota.

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 10
Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type Branch Application Bank of Colorado, Fort Lupton, Colorado, for prior approval to establish a branch at 3130 Main Avenue, Durango, Colorado. Ending date of comment period Newspaper – 08/26/2001

Section II – Applications subject to both newspaper and Federal Register notice Type 3(a)(1) Application Ending date of comment period

Leawood Bancshares, Inc., Leawood, Kansas, for prior approval Newspaper – N/Available to become a bank holding company through the acquisition of Fed Reg – N/Available 100 percent of the voting shares of Town & Country Bank, Leawood, Kansas, in organization.

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type None Application

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Fourth Quarter of 2001 Institution Centennial Bank West Fidelity State Bank and Trust Citizens State Bank and Trust Citizens Farmers Bank of Cole Camp Bank of Elgin Five Points Bank FirstBank First Bank and Trust Company Union Bank of Chandler First State Bank Bank of Locust Grove Security Bank Lakeside Bank of Salina Location Eaton, Colorado
Dodge City, Kansas
Ellsworth, Kansas
Cole Camp, Missouri
Elgin, Nebraska
Grand Island, Nebraska
Antlers, Oklahoma
Broken Bow, Oklahoma
Chandler, Oklahoma
Fairfax, Oklahoma
Locust Grove, Oklahoma
Pawnee, Oklahoma
Salina, Oklahoma

Section VI – CRA examinations scheduled for Fourth Quarter of 2001 Institution First Bank of Turley SpiritBank Oregon Trail Bank First State Bank Union State Bank Location Tulsa, Oklahoma Tulsa, Oklahoma Guernsey, Wyoming Newcastle, Wyoming Upton, Wyoming

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other circumstances.

District 11
Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type None Application Ending date of comment period

Section II – Applications subject to both newspaper and Federal Register notice Type 3(a)(1) Application Ending date of comment period

Cisco Bancshares, Inc., Cisco, TX, to acquire Cisco Bancshares Fed Reg – 09/07/2001 of Nevada, Inc., Carson City, NV, and First National Bank in Newspaper – 08/11/2001 Cisco, Cisco, TX* (previously reported the week ending August 11, 2001) Cisco Bancshares of Nevada, Inc., Carson City, NV, to acquire First National Bank in Cisco, Cisco, TX* (previously reported the week ending August 11, 2001) Warren A. Armstrong, La Grange, TX, et al, acting in concert through a voting and stock restriction agreement, to acquire an interest in La Grange Bancshares, Inc., La Grange, TX (previously reported the week ending August 25, 2001) Fed Reg – 09/07/2001 Newspaper – 08/11/2001 Fed Reg – 09/04/2001 Newspaper – 09/10/2001

3(a)(1)

CIC

3(a)(3)

International Bancshares Corp, Laredo, TX, and IBC Subsidiary Fed Reg – 09/18/2001 Corporation, Wilmington, DE, to acquire National Bancshares Newspaper – 09/06/2001 Corporation of Texas, San Antonio, TX, NBT of Delaware, Inc., Wilmington, DE, and NBC Bank, National Association, Eagle Pass, TX* (previously reported the week ending August 25, 2001) Spector Holdings Management, L.L.C., San Antonio, TX, to Fed Reg – 09/28/2001 acquire Spector Holdings Limited Partnership, San Antonio, TX, Newspaper – N/Avail Luling Bancshares, Inc., Luling, TX, Luling Delaware Financial Corporation, Dover, DE, and Citizens State Bank of Luling, Luling, TX* Spector Holdings Limited Partnership, San Antonio, TX, to acquireLuling Bancshares, Inc., Luling, TX, Luling Delaware Financial Corporation, Dover, DE, and Citizens State Bank of Luling, Luling, TX* Fed Reg – 09/28/2001 Newspaper – N/Avail

3(a)(1)

3(a)(1)

Section II – Applications subject to both newspaper and Federal Register notice Type 3(a)(1) Application Ending date of comment period

Luling Bancshares, Inc., Luling, TX, to acquire Luling Delaware Fed Reg – 09/28/2001 Financial Corporation, Dover, DE, and Citizens State Bank of Newspaper – N/Avail Luling, Luling, TX* Luling Delaware Financial Corporation, Dover, DE, to acquire Citizens State Bank of Luling, Luling, TX* Fed Reg – 09/28/2001 Newspaper – N/Avail

3(a)(1)

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type S/R Application Notice by FCT Bancshares, Inc., Waco, TX, to repurchase 2,125.5 shares of its common stock

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Institution None

Quarter of Location

District 12
Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, September 1, 2001

Section I – Applications subject to newspaper notice only Type None Application Ending date of comment period

Section II – Applications subject to both newspaper and Federal Register notice Type 3(a)(5) Application Ending date of comment period

Greater Bay Bancorp, Palo Alto, California, to merge with SJNB Newspaper – 09/29/2001 Financial Corp., and thereby acquire its subsidiary bank, San Fed Reg – 09/28/2001 Jose National Bank, both of San Jose, California.*

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only Type None Application Ending date of comment period

Section IV – Applications not subject to Federal Register or newspaper notice Type 3(a)(5)(C) Application FNB Bancorp to become a bank holding company through a corporate reorganization involving First National Bank of Northern California, both of South San Francisco, California. Business Bank of California, San Bernardino, California, to become a member of the Federal Reserve System.

Member

Section V – Availability of CRA public evaluations The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available. RSSD number None Examination date CRA public date CRA rating Exam type LrgBk SmBk

Institution/Location

Section VI – CRA examinations scheduled for Institution None Location

Quarter of